Here is my latest blog post about some of the differences between working with me and working with the bank: http://victorlough.com/blog/1421460-...e-and-the-bank
Being a financial advisor is more than just picking a few investments and leaving it at that. I can help you plan for both short and long-term goals. I help clients figure out how to hold their investments as well as what investments they hold; I can show you what makes the most sense from a tax perspective as well as from a pure investment perspective. In addition, I can go through your insurance coverages as well on an independent basis. While my signs and business cards say "Manulife" I am free to provide you with the products and services from a number of companies that might make more sense, be more cost effective, or both.